AXA SmartCare Cancer “diagnosed, paid, done” cancer insurance for people who want a lump sum to use during treatment, up to THB 900,000
- Updated: 9 November 2026
AXA SmartCare Cancer “diagnosed, paid, done” cancer insurance for people who want a lump sum to use during treatment, up to THB 900,000
Underwritten by AXA Insurance Public Company Limited
Premiums from THB 825 per year (Plan 1, ages 15 days–29 years, stamp duty included)
Highlight: a single lump sum is paid as soon as a doctor diagnoses cancer, with no need to wait for treatment receipts
Existing health insurance may pay the hospital for cancer treatment, but there are still costs during treatment that nobody pays, such as income lost while off work, travel for radiotherapy, a carer's fees, or drugs outside the limit
If you want a lump sum for those costs, how much does “diagnosed, paid, done” cancer insurance pay, and what conditions should you know first?
Who is AXA SmartCare Cancer suited to, and how much does it cost?
Short answer: AXA SmartCare Cancer insurance from AXA Insurance is a “diagnosed, paid, done” cancer plan for Thai nationals aged 15 days–59 years. It pays a lump sum of THB 200,000 / 500,000 / 750,000 depending on the plan when a doctor first diagnoses cancer. It covers all types and all stages, and pays an extra 20% for skin cancer. Premiums start at THB 825 per year (data as of 9 Nov 2026) and the actual premium depends on age and the plan chosen. It suits people who already have health insurance that pays for treatment and want cash to use during treatment.
What does AXA SmartCare Cancer cover?
| Coverage | Plan 1 / Plan 2 / Plan 3 (THB) | Conditions |
|---|---|---|
| All cancers, all stages (except skin cancer) | 200,000 / 500,000 / 750,000 | Lump sum paid when a doctor diagnoses cancer |
| All skin cancers, all stages | 40,000 / 100,000 / 150,000 | 20% of the first benefit's sum insured; the first benefit stays in force |
| Maximum total benefit | 240,000 / 600,000 / 900,000 | First benefit plus skin cancer |
Covers both invasive and non-invasive cancer. The lump sum is paid directly to the insured, can be used for any expense, and needs no treatment receipts.
Roughly how much is AXA cancer insurance?
Premium per person per year, stamp duty included, according to AXA's premium table. Data as of 9 November 2026
| Age band | Plan 1 / Plan 2 | Plan 3 |
|---|---|---|
| 15 days–29 years | 825 / 2,060 | 3,090 |
| 30–34 years | 1,020 / 2,550 | 3,824 |
| 35–39 years | 1,388 / 3,467 | 5,200 |
| 40–44 years | 1,867 / 4,666 | 6,998 |
| 45–49 years | 2,763 / 6,905 | 10,358 |
| 50–54 years | 3,616 / 9,038 | 13,556 |
| 55–59 years | 5,150 / 12,867 | 19,300 |
| 60–64 years (renewal only) | 6,553 / 16,380 | 24,570 |
Premiums in the table may differ from the amount actually charged by no more than THB 1. The actual premium depends on age, plan and the insurer's underwriting decision. Pay the amount shown on the premium quotation.
A worked example to illustrate
Age 32, Plan 2: premium THB 2,550 per year. If bowel cancer is found after the waiting period, you receive a lump sum of THB 500,000, about 196 times the annual premium (500,000 ÷ 2,550)
If skin cancer comes first, you receive THB 100,000 (20% of 500,000) and the THB 500,000 cover for other cancers stays in force
Age 45: Plan 1 costs THB 2,763 per year for a sum insured of THB 200,000, while Plan 3 costs THB 10,358 per year for THB 750,000. The premium per THB 100,000 of cover is almost the same (about THB 1,382 and 1,381), so you can choose the sum insured to match the lump sum you want without losing out on price
This is an illustration only. The actual payout depends on the insurer's claims assessment. A simple rule: choose the sum insured from the costs outside the hospital that you need to prepare for, such as 6–12 months of income, not from treatment costs that your health insurance already pays.
Who is AXA SmartCare Cancer suited to?
- People who already have health or group insurance that pays for treatment and want cash to replace income during treatment
- Freelancers or business owners whose income stops when they stop working for a long time
- People with a family history of cancer who want a financial plan in place for a premium of a few hundred to a few thousand baht a year
- Parents who buy a family plan through AXA's online channel: unmarried children aged 15 days–22 years are covered at no extra premium, with no limit on the number of children
Who should not buy this plan yet?
- People with symptoms or past treatment related to cancer. Cancer that exists before or on the date of taking out the policy is not covered.
- People who have no health insurance paying for treatment at all. A lump sum of THB 200,000–750,000 may not cover all cancer treatment costs. You should first have health insurance that pays for treatment.
- People who are not Thai nationals. The underwriting conditions specify Thai nationals.
- Aged 60 and over: you can apply as a new customer up to age 59. Ages 60–64 are renewal-year premiums.
- People who want to buy several policies to increase the sum insured: the maximum is 1 policy per person
What limitations should you check before deciding?
- 90-day waiting period from the date the policy first takes effect. If symptoms appear or cancer is found during this time, it is not covered.
- Diagnosed, paid, done: a lump sum equal to the sum insured is paid on first diagnosis, except for skin cancer, where 20% of the sum insured is paid and the cover for other cancers stays in force
- Cancers related to HIV immune deficiency are not covered, including AIDS and opportunistic infections
- Renewable up to a full age of 65, after which cover ends, and premiums rise by age band, for example Plan 2 at ages 55–59 costs THB 12,867
- Family plan: children must be covered together with both father and mother, with the same sum insured as the parents
- The insurer reserves the right to change the conditions and premiums as AXA announces. Rely on the premium quotation and policy as of the date you buy.
If you want to compare lump-sum cancer insurance from another insurer, see lump-sum cancer insurance, or if you do not yet have insurance that pays for treatment, see AXA SmartCare Essential health insurance
What do you need to tell us to find out your own premium?
Tell us just 3 things
- Date of birth
- The sum insured you are interested in (THB 200,000 / 500,000 / 750,000)
- Whether you are applying alone or for a family plan, with your spouse's and children's ages
Our team will send back premiums comparing all 3 plans within the business day, and tell you plainly which health histories should not apply. We tell you straight which plan is good value and explain any differences in conditions before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Do I need a medical check-up before applying?
No medical exam is needed. Answer the health questions on the application truthfully; if you conceal information, the insurer may refuse to pay the lump sum.
If I already have health insurance, can I still claim on cancer insurance?
Yes. “Diagnosed, paid, done” cancer insurance pays on diagnosis, not on receipts, so you can claim even if another health policy has already paid for treatment.
Does early-stage cancer pay the full sum insured?
The plan's conditions state that cancer of every stage, invasive and non-invasive, is covered at the plan's sum insured, except skin cancer, which pays 20% of the sum insured.
Is it really free to add my children?
When you buy a family plan through AXA's online channel, unmarried children aged 15 days–22 years are covered at no extra premium. The children must be covered together with both father and mother, at the same sum insured.
Is the premium tax deductible?
Yes, under the conditions set by the Revenue Department.
Who approves underwriting and claims?
Underwriting and claim payments are decided by AXA Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The cover and premium information on this page is based on the product document and the premium table for AXA SmartCare Cancer critical illness (cancer) insurance of AXA Insurance Public Company Limited, published on the insurer's website and checked on 9 November 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as the insurer announces. Underwriting and claims payment are decisions of the insurer. Prakanthai.com is a non-life insurance broker, not an insurer. Licence no. 5104000004. Read the policy and quotation in full before deciding.
